Rates :: First Independent

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Wall Street Journal Prime Rate: 3.25%

CD Rates

APY's are effective as of 12-28-09. For further information, please call 360.699.4200.

CD/Time Deposit

Term	Minimum Deposit to Open Account	Minimum Through $49,999	$50,000 and Over
		Rate APY*	Rate APY*
1 Month	$5000	0.45% 0.45%	0.50% 0.50%
2 Month	$2,500	0.50% 0.50%	0.55% 0.55%
3 Month	$1,000	0.50% 0.50%	0.55% 0.55%
6 Month	$1,000	0.55% 0.55%	0.60% 0.60%
9 Month	$1,000	0.80% 0.80%	0.85% 0.85%
12 Month	$500	0.90% 0.90%	0.95% 0.95%
18 Month	$500	1.10% 1.10%	1.15% 1.16%
2 Year	$500	1.55% 1.56%	1.60% 1.61%
3 Year	$500	2.00% 2.01%	2.05% 2.06%
4 Year	$500	2.15% 2.17%	2.20% 2.22%
IRA** 18 Month Variable	$100	0.75% 0.75%	0.75% 0.75%

Club Fifty Plus bonus on time deposits over $50,000 is 0.05%. Visit any First Independent banking center for more information or to open an account.

Money Market & Savings Rates

APYs* are effective as of 12-28-09. For further information, please call 360.699.4200.

Money Market

Minimum Deposit to Obtain Rate Rate APY*

$0 - 24,999 0.25% 0.25%

$25,000 - 99,999 0.55% 0.55%

$100,000 - 499,999 0.70% 0.70%

$500,000 - 999,999 0.95% 0.95%

$1,000,000+ 1.00% 1.00%

Savings

Minimum Deposit to Open Account Rate APY*

$100 .19% .19%

IRA Savings

Minimum Deposit to Obtain Rate Rate APY*

$0 - 1,499 0.65% 0.65%

$1,500+ 0.70% 0.70%

Interest Checking

Minimum Deposit to Open Account Rate APY*

$100 .10% .10%

Visit any First Independent banking center for more information or to open an account.
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Member FDIC. Equal Housing Lender

Interest is calculated on the daily balance. Interest will begin to accrue on the same business day the bank receives credit based on the First Independent Bank Availability schedule. An early withdrawal penalty may be imposed on Time Deposits. On variable rate accounts the rate may change after the account is opened. Interest yield will be lower if you withdraw interest instead of allowing it to compound. Fees could reduce the earnings on your account.

*APY = ANNUAL PERCENTAGE YIELD is a percentage rate reflecting the total amount of interest paid on an account in a 365 day period, based on the interest rate and the frequency of compounding.

**Traditional and Roth Individual Retirement Account (IRAs) deposits are insured up to $250,000. All IRA accounts owned by the same person on deposit at the same institution will be added together and the total will be insured up to $250,000.